Rules for Debt Collection in Texas CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS http://www.capitol.state.tx.us/statutes/fi/fi039200.html#fi002.392.001 Worth reading in Texas. Not written in "legaleese". Some of these provisions are stricter than their federal counterparts. --------------------------------------------------------- Debt Collectors(even out of state) Doing business in Texas are required to obtain a $10,000 surety bond. (Maybe their letter to you will cost more than they figured) Debt Collection Bonds, Tex. Fin. Code Ann. § 392.101. http://www.capitol.state.tx.us/statutes/fi/fi039200.html#fi002.392.101 Verification of Bond or Complaints (By Telephone or Email, no online) Nina Weston at (512) 463-6906, or on the internet at nweston@sos.state.tx.us. (a) Wrestling Promoters; (b) Credit Services Organizations; (c) Debt Collectors; and (d) Health Spas ------------------------------------------------------ § 392.305. Deceptive Use of Credit Bureau Name http://www.capitol.state.tx.us/statutes/fi/fi039200.html#fi002.392.305 Complaints under this statute can be filed online with the Texas AG: http://www.oag.state.tx.us/consumer/complain.htm